Damsel in Debt Take 2

bekah89

joedenise said:

If you make a regular journey may well be worth investing in a Railcard - you could use some Tesco points for one if you have any as they give 3 times face value for them.

Oh I’ve just realised you meant about the train to Devon sorry 😆
unfortunately I’m not eligible for any I don’t think, I used to have a 16-25 then a 26-30 but I’m too old now! It was a massive difference I used to save over £30 every trip! 

bekah89

Right I’ve done it, I’ve paid what I’ll save this month from the bus £31.10 off Halifax! 😁

joedenise

bekah89 said:

joedenise said:

If you make a regular journey may well be worth investing in a Railcard - you could use some Tesco points for one if you have any as they give 3 times face value for them.

Oh I’ve just realised you meant about the train to Devon sorry 😆
unfortunately I’m not eligible for any I don’t think, I used to have a 16-25 then a 26-30 but I’m too old now! It was a massive difference I used to save over £30 every trip! 

Yes that's what I meant.  That's a shame.  Do you travel with anyone?  If you do you could get a Friends and family railcard.

jokono

The network railcard is £30 per year and gets you 33% off on most journeys. I got a discount for my railcard last year and got it for £20 and it saves me £10 every time I travel to work. I am not sure you can use the network railcard for peak trains, depending on where you live.

LookingForPeace

Nice one on the payment to Halifax! It feels better when it feels voluntary, doesn't it 

I really hope this isn't getting in to creepy territory - but guess who else lives in Hertfordshire?!  Hitchin specifically, for the coffee shop/people watching experience!

savingholmes

Good news on the bus saving. 

Sorry you were declined. I was always told wait 3 months if there was an issue but don't know if that's still the case. 

bekah89

joedenise said:

bekah89 said:

joedenise said:

If you make a regular journey may well be worth investing in a Railcard - you could use some Tesco points for one if you have any as they give 3 times face value for them.

Oh I’ve just realised you meant about the train to Devon sorry 😆
unfortunately I’m not eligible for any I don’t think, I used to have a 16-25 then a 26-30 but I’m too old now! It was a massive difference I used to save over £30 every trip! 

Yes that's what I meant.  That's a shame.  Do you travel with anyone?  If you do you could get a Friends and family railcard.

No I normally just go down on my own unfortunately! Only really travel on the train to see friends/family or back in the day when I wracked up this debt and went to London all the time 😆

bekah89

jokono said:

The network railcard is £30 per year and gets you 33% off on most journeys. I got a discount for my railcard last year and got it for £20 and it saves me £10 every time I travel to work. I am not sure you can use the network railcard for peak trains, depending on where you live.

Oh wow I will check that one out! Even if it just saves me money when I travel to Devon would definitely be worth it! 

bekah89

LookingForPeace said:

Nice one on the payment to Halifax! It feels better when it feels voluntary, doesn't it 

I really hope this isn't getting in to creepy territory - but guess who else lives in Hertfordshire?!  Hitchin specifically, for the coffee shop/people watching experience!

Yes much better! And not deducted by any interest 😆

How funny! 🤣 I saw you mentioned about going into Cambridge but presumed you were in Cambridgeshire! 😆 I’m in Hertford! Hitchin has loads of good coffee shops so I don’t blame you for that! 

bekah89

savingholmes said:

Good news on the bus saving. 

Sorry you were declined. I was always told wait 3 months if there was an issue but don't know if that's still the case. 

Thank you! Yes I will try that. I will keep plugging away on the debt and overpayments!